Bailey County, TX: Home-Insurance Distress & Forced-Sale Pressure
Bailey County, TX: 27/100 (moderate) home-insurance distress; Bailey, TX band LOW; Bailey, TX #1,808 of 3,222 counties; Bailey, TX #151 of 254 in Texas; raw Bailey, TX 31.2; Bailey, TX coverage multiplier 0.85.
FEMA hazard, Bailey, TX: 52/100; Bailey, TX declarations, three years: 2; Bailey, TX perils: 2 flood; Bailey, TX five-year count 2 (severity 3.0); Bailey, TX ten-year 2; hazard-weighted, Bailey, TX: 4.0.
Declared incidents on the Bailey, TX record: 2024 Flood 2 (Bailey, TX).
NFIP claims, Bailey, TX, three years: none; Bailey, TX claim-stress 0/100.
Bailey, TX monthly score fell, 30 (March 2026) to 26 (October 2026); Bailey, TX by month: March 30, April 30, May 30, June 30 (Bailey, TX), July 27, August 26, September 27, October 26.
Bailey, TX components: climate 52; Bailey, TX retreat index 26; Bailey, TX climate multiplier 0.85.
Construction distress, Bailey, TX: 56/100 as of August 2026 (Bailey, TX: 56/100 one-to-four unit, 0/100 multifamily).
Bailey, TX ZIPs, June 2026 (Bailey, TX, 6 highest): score 0 (Bailey, TX), climate 80 (Bailey, TX): 79325; score 0 (Bailey, TX), climate 43 (Bailey, TX): 79371; score 0 (Bailey, TX), climate 42 (Bailey, TX): 79347; score 0 (Bailey, TX), climate 34 (Bailey, TX): 79324, 79344; score 0 (Bailey, TX), climate 12 (Bailey, TX): 79346.
DLRadar rescores Bailey, TX monthly; Bailey, TX readings join Bailey, TX foreclosure, lien and ownership parcels (Bailey, TX), so cost-squeezed Bailey, TX owners surface before listing.
Inside Texas, Bailey County ranks 151st of 254 counties for home-insurance distress at 27/100; Armstrong County (27/100) sits just above Bailey County, and Baylor County (27/100) sits just below Bailey County.
Deterministic. Every Bailey County, TX signal traces to a public Bailey dataset (FEMA, NFIP, Census for Bailey, TX) · how insurance distress works in Bailey, TX · methodology
FAQ: Bailey County, TX insurance distress
What is the Bailey County, TX home-insurance-distress score?
Bailey, TX: 27/100 (LOW), #1,808 of 3,222, #151 in Texas. FEMA hazard, Bailey, TX: 52/100; NFIP stress, Bailey, TX: 0/100; construction, Bailey, TX: 56/100; Bailey, TX rescores monthly.
Is Bailey County insurance distress getting better or worse (TX)?
Bailey, TX: 30 in March 2026; Bailey, TX: 26 in October 2026 (better); Bailey, TX climate component 52.
Which Bailey County ZIP codes carry the most insurance distress (TX)?
Bailey, TX, June 2026: 79325 at 0, 79371 at 0, 79347 at 0, 79324 at 0; Bailey, TX climate scores there: 80, 43, 42, 34.
Why does Bailey, TX insurance distress create sellers?
A Bailey, TX premium outruns the Bailey, TX budget; a carrier leaves Bailey, TX; Bailey, TX carrying cost passes plan; Bailey, TX owners sell while current; Bailey, TX insurance distress leads Bailey, TX foreclosure data.